For the year ending 2025-12-31, CHMG had $3,062K increase in cash & cash equivalents over the period. $43,812K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 15,104 |
| Amortization of right-of-use assets | 771 |
| Deferred income tax (benefit) expense | -2,673 |
| Provision (credit) for credit losses | 4,437 |
| Gains on disposal of fixed assets | 640 |
| Depreciation and amortization of fixed assets | 1,895 |
| Amortization of premiums on securities, net | -1,438 |
| Gains on sales of loans held for sale, net | 261 |
| Proceeds from sales of loans held for sale | 14,091 |
| Loans originated and held for sale | 13,867 |
| (gains) losses on sale of other real estate owned, net | 2 |
| Write-downs on other real estate owned | 0 |
| Change in fair value of equity investments, net | 211 |
| Losses on securities transactions, net | -17,498 |
| Purchases of equity investments, net | 319 |
| Amortization of deferred costs on subordinated debt | 56 |
| Losses (gains) on interest rate swaps, net | -110 |
| Income from bank owned life insurance | 32 |
| Decrease (increase) in accrued interest receivable | -361 |
| Decrease (increase) in other assets | -4,533 |
| Increase (decrease) in accrued interest payable | -1,630 |
| Increase (decrease) in other liabilities | 4,143 |
| Payments on operating leases | 772 |
| Expense related to restricted stock units for directors' deferred compensation plan | 23 |
| Expense related to employee restricted stock awards | 1,446 |
| Net cash provided by operating activities | 45,499 |
| Proceeds from sales, maturities, calls, and principal paydowns on securities available for sale | 274,438 |
| Proceeds from sales, maturities and principal collected on securities held to maturity | 328 |
| Purchases of securities available for sale | 3,990 |
| Purchases of securities held to maturity | 160 |
| Purchase of fhlbny and frbny stock | 16,389 |
| Redemption of fhlbny and frbny stock | 16,040 |
| Proceeds from sales of fixed assets | 1,405 |
| Purchases of premises and equipment | 1,687 |
| Proceeds from sale of other real estate owned | 413 |
| Net (increase) in loans | 202,078 |
| Net cash (used in) provided by investing activities | 68,320 |
| Net increase (decrease) in demand, interest-bearing demand, savings, and insured money market deposits | 34,087 |
| Net increase (decrease) in time deposits | -160,296 |
| Net increase (decrease) in fhlbny overnight advances | -22,000 |
| Increases in (payments on) finance leases | 335 |
| Proceeds from subordinated debt issuance | 45,000 |
| Payment of subordinated debt issuance costs | 1,028 |
| Purchase of treasury stock | 396 |
| Sale of treasury stock | 536 |
| Cash dividends paid | 6,325 |
| Net cash (used in) provided by financing activities | -110,757 |
| Net increase (decrease) in cash and cash equivalents | 3,062 |
| Cash and cash equivalents, beginning of period | 47,035 |
| Cash and cash equivalents, end of period | 50,097 |
CHEMUNG FINANCIAL CORP (CHMG)
CHEMUNG FINANCIAL CORP (CHMG)